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Jeff Crain

Vice President of Mortgage Lending
360 Central Ave, Third Floor Suite 390, St Petersburg, FL 33701
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NMLS: 377726
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We will highly recommend your team at Guaranteed Rate!

Richard and Mary Jo Ann | August 2017

The lenders team from Guarantee Rate- Jeff, and team Joe and Nico made my home buying process a walk in the park. After shopping around, Guarantee Rate really gave the best rate. No hidden cost or catches. Guarantee Rate is very transparent with their fees and lending conditions. Guaranteed Rate addressed all my concerns and had their ears in attention to what they were. The team at Guarantee Rate are very patient, efficient and knowledgeable about my loan process. I highly recommend the team...

Alexandra D. - July | 2017

The process was very smooth. I was very appreciative of the time Joe, and especially Nico took to explain the process and answer any questions that I had. They were very responsive and easy to work with throughout the whole experience.

Shannon L. July 2017

Jeff Crain and his staff (Joe and Nico) all worked together to secure the loan for my condo. They were great at getting things done and making me feel comfortable with the process.

James V. | June 2017

Jeff Crain and his team were always accessible and willing to answer any and all questions we had. Thank you for making this process as easy as possible.

Donald M. | June 2017

I felt that everyone had my best interest at heart and they would email me sometimes at midnight or 1:00am. They made sure I met every deadline. I would definitely recommend them and use them again.

Michelle H. | 06/09/2017

Jeff Crain and his team were amazing. Thank you all.

Robert C. | 06/08/2017

Jeff Crain was a wealth of knowledge and made the loan process very easy. Any time I had a question, he made himself available to work through the different scenarios. There was one slight miscommunication regarding some closing funds, but Jeff and his team worked with me to fix the issue and provide a very quick, smooth closing!

Claire C. | 06/06/2017

Everyone was very helpful. The online document signing and tracking made it quick and easy to get information to and from. Everyone returned calls quickly and we were given answers that made it easy to close. We could not be happier! Thank you!

Michael O. | 05/31/2017

Jeff, Joe, and Nico were excellent. They answered all of my questions very promptly and thoroughly and made the process easy to navigate. I would absolutely use Guaranteed Rate again based on my experience!

Adam G. - 5/25/2017

Jeff went up and above to make it easy, quick and beat the other guy pretty bad. His communication was quick, concise, informative and accommodated my schedule. It was a please working with Jeff and Nico.

Michael Y. | 05/26/2017

Jeff was incredible from our first phone call. Professional, knowledgeable, prompt, concise and accurate. My experience with his team was the same.

Melody T. | 05/15/2017

Jeff was great from start to finish. Just seemed like the process slowed down once was at final stage and waiting for the underwriters to sign off. I am over all pleased with the service and would use Jeff and Guaranteed Rate again. The complete process was completed in like 47 days.

Charles S. | 05/16/2017

Purchasing a home can be a daunting experience and more so while preparing to sell your existing home. Guaranteed Rate made to hectic process very smooth and easy. We were made to feel welcome and at ease. I would not hesitate to use Guaranteed Rate again and will pass along our experience and will certainly recommend them to anyone I find in need of their services.

Robert A, | 05/03/2017

I have already recommended you to 2 others and one has closed on their loan. You are my "go-to" guys for loans now. Thanks for everything!

John H. | 04/28/2017

Jeff and his team, Nico, Joe, Ian, and Lesley made our experience one of the smoothest I could have ever imagined!

Michael P. | 05/03/2017

The team made the entire process seamless and efficient and kept me updated at every step of the way!

Jacklyn P. | 04/28/2017

I cannot say enough how happy we are with the way your team worked like a well-oiled machine delivering results. I will recommend your guys to anyone I know and I know that they will be in great hands. Once again thank you so much for everything. Chloe and I are forever in your debt my friend.

Eddie R. | 04/28/2017

Jeff and his team did a great job answering all my questions, and always responded promptly to all of my concerns. Jeff is extremely knowledgeable, and was patient with me to help me understand any questions along the way

Kay L. - 4/12/2017

The communication and assistance was absolutely amazing. There were a lot of hiccups along the way and everyone involved, Jeff, Nico, and Joe were all so helpful and always had a solution to every problem. I wouldn't be a homeowner right now if it weren't for these guys. Thank you!

Deanna F. - April | 2017

They were amazing!!!!

Jennifer B. - April | 2017

Jeff, Nico, Joe, Christine, and everyone else involved with this loan were so kind and considerate all through the transaction. I've done business with Jeff Crain before and he was just as professional this time as he was the last time I used his services. All in all it was a pleasant and efficient process that went so successful. thank you

Barry C. | 3/28/2017

Very professional and always available for consultation.

Jay N. - March | 2017

Jeff Crain and his team were consummate professionals I could not be happier with the service that was provided.

John M. | 02/24/2017

Jeff Crain and Nico were awesome!

Joseph G. - February | 2017

I was very impressed how you guys kept at it tracking the missing documents down and saving the sale basically. Good communication, questions answered. Damn fine job. ( P.S. I've already recommended you to some coworkers) thanks again.

Kenneth J. || January 2017

Jeff Crain went way beyond to find us the right financing to accommodate our needs to buy our dream home. I've bought several homes in the past but have never had a team work as hard as they did. I would recommend Guaranteed Rate to anyone wanting to buy a home. In Florida, St Petersburg area, ask for Jeff Crain he really rocks!

Richard B. | January 2017

Jeff Crain and his team went above of what I would have expected from a financial institution. My own bank couldn't help me. The countless ways that his team found to make it all happen speaks volumes. My wife and I were able to buy our dream home through their creative financing. There isn't a better go Jeff Crain!!!!!!

Richard B. | December 2016

Jeff Crain and his team in the Tampa Bay area do a tremendous job!

Sean R. - 12/19/2016

Awesome group. Very easy to deal with and makes the whole transaction simple. Well done.

Kenneth N. | November 2016

Thank you for making the refinance possible. I would definitely use Guaranteed Rate again if given the opportunity. Thanks again.

Marisa M. - 11/21/16

Jeff Crain was amazing, as was Nico DeLorenzo and the rest of the team. Jeff guided me through some late bumps in the road, calmly and professionally, which impressed me very much. He was very knowledgeable and from the beginning gave me a good idea of what to expect throughout the process. Thank you!

Fred J. 10/31/16

Jeff Crain is the best at what he does. We trust him completely.

Curtis P. - 10/25/16

I was given Jeff Crain's information from a friend who told me this guy was who to work with on our home loan . The mortgage process was easy to navigate with Jeff Crain and his team at guaranteed rate. Thanks for making the process easy.


Jeff Crain and his team supplied much needed assistance through this process. I asked many questions which they were always there to give me guidance. Very much appreciated!!

Tanya M. - 9/29/16

Jeff Crain was amazing I would recommend him for sure.

Erika B. - 9/29/16

We closed in 30 days and there were no hassles. Great!

Angela C. - 9/23/16

I feel like Jeff and Nico went above and beyond to help us get a home. Thank you!!

Ryan D. - 9/20/16

Jeff Crain made the loan process very easy.

John T. - 8/29/16

Jeff was very responsive, accurate and fast! This was my first time buying a house and he really made me feel informed and secure.

Jessica P. - 8/18/16

Jeff Crain was awesome! He worked diligently to get my loan closed quickly. He is a ROCKSTAR!

Amy S. - 8/12/16

Everything went very smoothly. Jeff and his team kept us on track for a timely closing and even our title agent was impressed with the fact that she had all necessary documents and funds prior to closing.

Lisa C. - 7/14/16

Jeff Crain was the best! He worked above and beyond to get us clear to close. I would highly recommend him and his team.

Kandi S. - 7/14/16

Cudo's to all in the Tampa office, Nicole DeLorenzo and Joseph Nowacki were awesome - very supportive. Mostly, I commend Jeff Crain and his ability to put up with my ins, outs; his quick responsiveness when I needed something done quick. I'm truly impressed, and you have my reference. Thank you all for a fast and easy ride.

Patrick M. - 7/7/16

Jeff,Nico and staff were outstanding to do business with.

Steven K. - 6/30/16

Jeff Crain totally knocked it out of the park in handling my home purchase!! Thank you Jeff for a great experience.

Christopher R.

Jeff, Nico and staff were outstanding to do business with!

Steven K. 06/30/2016

Jeff Crain was excellent and easy to talk too. I would highly recommend guaranteed rate to anyone looking for a loan. Joseph and Nico are also very professional and easy to communicate with..thanks again for a great experience

Sabrina B. - 6/21/16

Jeff and his team are phenomenal!

Michael P. - 6/20/16

Jeff Crain and his Team at Guaranteed Rate made the Mortgage Loan process quick and painless.

Duane L. - 5/27/16

Loved the experience Jeff Crain made the entire process easy and he was always there when I needed him. I have already told friends to contact him for their loan needs.

Frederick S. - Floral City, FL | APR 2016

We loved working with Jeff and Nico. They kept us informed of changes and were extremely responsive to our questions. I would definitely recommend!

Nicole L. - 5/6/16

Loved the experience Jeff Crain made the entire process easy and he was always there when I needed him. I have already told friends to contact him for their loan needs.

Frederick S. - 4/25/16

Our loan officer, Jeff Crain, and his team were very helpful and knowledgeable. They communicated well throughout the process and stayed ahead of the game, which took the stress out of it.

Andrew P. - 4/21/16

Jeff, Joe, and Nico were fantastic!

Angela M. 4/11/16

Jeff did a great job both times we have used him!

Melinda H. 4/6/16

I appreciate the way Jeff kept me informed the throughout the entire loan process and his experience and knowledge was evident. He also helped me get insurance on the property which I appreciate.

Elizabeth H. - Bradenton, FL | Jan. 2016

I would like to thank Jeff Crain. He walked us through the whole process from A to Z . He was the best person in the whole world . Very understanding while absolutely honest, extremely knowledgeable and professional. He worked with us since the prep time and the shopping period . As fantastic and proficient as he was, we closed in 17 days. He did follow up through out , even after the process left his desk. He got us a fantastic rate and made the process as easy as I would never imagined...

Osama A. - 2/29/16

Jeff Crain anticipated issues, prepared me, and made sure we got to the finish line on schedule. Best service and best pricing - how often does that happen? A great experience!

Preston K. - 2/26/16

Great customer service! Jeff Crain was very easy to work with. He was thorough in his explanations to me and his whole team made home buying a very easy process. I will definitely be recommending him.

Andrea W. - 2/26/16

Jeff Crain was fantastic!

Robert B. 1/25/16

I appreciate the way Jeff kept me informed the throughout the entire loan process and his experience and knowledge was evident. He also helped me get insurance on the property which I appreciate.

Elizabeth H. 1/19/16

Jeff Crain was excellent!! Would recommend to anyone.

Staci G. 12-21-15

Jeff, Joe and Sue were awesome and made the process seamless. Enjoyed working with all of them. They were efficient and professional. Jeff was up front throughout with any issues or concerns. Our thanks goes out to the entire team.

Bryant and Cyndi T.

Jeff Crain and everyone else that worked on the loan for me were really great to deal with and made it a pretty easy process. I am extremely pleased.

Karl O

Jeff Crain and his team were amazing! They answered all of my first time home buyer frantic questions.

Nicholas E. – Chicago, IL | SEP 2015

Jeff and his team were incredible and extremely professional!

Deborah R.

Jeff Crain and his team were amazing! They answered all of my first time home buyer frantic questions.

Nicholas E.

Each and every person I worked with during my loan process was very professional and easy to work with.

Cathy H.

Jeff Crain and his team are excellent and he goes above and beyond his job duties. He was terrific!

Jennifer L.

Jeff Crain is fantastic! Truly professional. Exceptionally repsonsive. Extremely accommodating to get us to our target closing date.

Joseph G. – Tampa ,FL | JULY 2015

Jeff Crain was great

Jeff Z. – St Petersburg, FL | May. 2015

Jeff Crain was extremely professional - competent, responsive, creatively solved problems, maintained a positive and calm demeanor throughout the process. Really a great experience working with him. I would work again with Jeff Crain.

James K. – Tampa, FL | Jan. 2015

Jeff Crain was superb!

Jennifer Gray – St Petersburg, FL | Dec. 2014

Jeff Crain was an efficient and dedicated loan office. Jeff and his team were super responsive and if it not for Jeff's constant follow-up, it never would have happened, but it did, and it was a great experience!

Sean R. -- Saint Petersburg, FL. 10/21/2014

Jeff Crain and his team were super responsive to the demands of the loan application and I truly believe were it not for Jeff's constant follow-up with everyone, it never would have happened, but it did, and it was a great experience.

Sean R. 10/27/2014

About Jeff

Jeff Crain is the VP of Mortgage Lending for Guaranteed Rate in St.Petersburg. His constant dedication to a transparent and ethical lending process are just a few of the reasons he makes such an impact in the mortgage industry. "I moved to the Tampa Bay area when I was a teenager and I have watched St.Pete, Tampa and the beaches grow dramatically over the years. I am very lucky to have the privilege of raising my own family here today, so I know and follow the local markets closely. I take great pride in providing my clients with the best loan programs at the lowest rates. This is one of the most important transactions you will ever make and I look forward to building lifelong relationships with all of my clients.” With Jeff’s multiple years of mortgage experience, 24/7 service and dedication to his clients is why the area's top realtors choose him as their preferred lender. He consistently offers his client the lowest mortgage rates on Jumbo, VA, FHA, and Conventional mortgage products.

Jeff Crain has funded multiple mortgage transactions during his career and is currently licensed in Florida and Hawaii. He has been in the mortgage industry for over a decade and during this period of time has established himself as one of the hardest working individuals in the industry. Communication is essential during a purchase or refinance which is why each and every client will always be informed during their loan process. Jeff has found success in the mortgage business for many reasons but most notably for always putting the customer first. Most all of his clients would use him again, and he continues to grow his business thanks to word-of-mouth referrals. Jeff’s goal is to simplify the mortgage process for his customers and make the home loan process easy to navigate. He and his team thoroughly educate their borrowers throughout the mortgage transaction so they fully understand their options and feel comfortable with their chosen loan program.

Jeff graduated from Florida State University. Outside of the office Jeff enjoys spending time with his beautiful wife Jackie, and his two sons, J.R. and Jackson. He enjoys coaching little league baseball and taking family RV trips to FSU football games.

Jeff interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
I ask many questions relating to what their goals are and what they want to accomplish, what are their short and long term objectives and how they can achieve them. Then I customize mortgage loan programs with various options to help them attain their goals.
What advice would you give new or first time home buyers?
I would tell them to make sure they ask a lot of questions, to have a full understanding of home ownership. It is important they know what price of homes they can really afford. It is good to look at what their total monthly housing costs would be. I will explain to them the different mortgage programs and how those affect their mortgage loan rate. It is important to choose a professional realtor to be working with and to keep in mind your total budget when searching for a home. I will help them look at their credit, explain the documents that will be needed and lay out the timeline for the mortgage process.
What can borrowers do to insure a smooth mortgage underwriting process?
Make sure you know what documents are required and stay diligent for any new document requests. Getting the documents to underwriting in a timely manner is important for everyone in the loan process.
What provides you with the most satisfaction in your job as a Loan Officer?
I enjoy my job as a loan officer because I can help people every day. It is fun finding the correct type of loan for each different clients and working with real estate agents, insurance and title companies. There are so many diverse people with so many different backgrounds that when you can get them into a home of their dreams, it makes you feel like you have really had an impact on their lives.

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